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Shop on Installments

No need to wait for your paycheck, start shopping on installments with Home Credit. Filling out the installment application will only take a few minutes.

  • First installment due only by the 20th day of the following month.
  • Choose a repayment period from 11 to 48 months.
  • The repaid amount can be reused for future purchases.
  • You can also arrange payment protection insurance to safeguard against unforeseen circumstances like disability.
  • Don’t wait – give your consent and get an instant estimate of your eligible installment purchase amount at any time!
  • To successfully grant consent for the estimate of your potential purchase, your user profile must include the following information: first name, last name, phone number, and e-mail address.

Find out in advance, how much you can buy on installments

In collaboration with Home Credit, we can estimate in advance how much you can use for your installment purchase. Here's how it works:

  • Your limit is higher than the value of your purchase

    That's great news. Feel free to add more items to your cart and conveniently pay off your entire purchase in monthly installments. You choose the total length of repayment from the options offered, as it suits you.

  • Your limit is lower than the value of your purchase

    Nothing's happening. Proceed with your installment purchase and we will specify during the negotiation process what portion of the purchase price will need to be paid outright.

  • You see zero

    In this case, Home Credit is unlikely to lend you the money. You can use another payment method, or buy in installments in a few days.

Arrange your installment purchase simply and easily from home or at our store

Shop on installments comfortably at our e-shop or visit one of our stores where we'll take care of everything together on the spot.

  • On the product page, click on the Buy on Installments button. Choose the number of months you want to repay. Proceed as you would with a regular purchase.

  • Fill in all the necessary information in the application, and Home Credit will evaluate your request.

  • After approval, you will sign the credit agreement online, and we will send you the goods.

  • Collect your purchase and enjoy.

General credit terms & conditions

  •   Age 18 and legal capacity
  •   Stable source of income
  •   Minimum order of CZK 3,000

Required documents

  •   ID card or Bank iD verification. For SK citizens sojourn is sufficient. Residents from EFTA countries (European Free Trade Association) and United Kingdom are required to substantiate permanent residence permit in Czechia.
  •   In some cases, a second form of identification may be required (passport, driver's license, insurance card, or birth certificate).
  •   We may also require proof of income from you.

  • Visit our store and let our clerk at the checkout counter know what products you would like to purchase on installments.

  • Present a valid ID card and our sales representative will fill in the details of your order in the Home Credit app. They will create a QR code for you, which you will scan to access the Home Credit app to fill out a loan application.

  • After filling out the application and uploading the necessary documents, you'll wait for loan approval. Once approved, you'll sign the contract via a text message and upload the required documents.

  • Home Credit will generate a 6-digit code, which you will give to the sales representative. The sales representative will invoice the product, which you can then pick up and start using.

General credit terms & conditions

  •   Age 18 and legal capacity
  •   Stable source of income
  •   Minimum order of CZK 2,000

Required documents

  •   ID card or Bank iD verification. For SK citizens sojourn is sufficient. Residents from EFTA countries (European Free Trade Association) and United Kingdom are required to substantiate permanent residence permit in Czechia.
  •   In some cases, a second form of identification may be required (passport, driver's license, insurance card, or birth certificate).
  •   We may also require proof of income from you.

What can I purchase on installments?


Mobile Phones

Laptops & Tablets

TV

Large Appliances

Computers & Software

Smart Watches

Home Electronics

Sports & Outdoor

Gaming Zone

Audio & Video
Full product range

How do I choose to pay in installments?

Na splátky
Start shopping

Choose your customised installment plan

Fastest repayment
Top

Good balance

Lowest payments
Ikona

0% interest purchase
Product price
CZK 10,000
CZK 10,000
CZK 10,000
CZK 10,000
Down payment
CZK 0
CZK 0
CZK 0
CZK 0
Loan sum
Loan sum = product price - down payment
CZK 10,000
CZK 10,000
CZK 10,000
CZK 10,000
Number of monthly installments
10
24
48
10 / 20 months
Monthly installment payment
CZK 1,046 
CZK 461
CZK 230
CZK 1,000 / 500 
Total amount payable by client
CZK 10,460 
CZK 11,064
CZK 11,040 
CZK 10,000 
Annual interest rate
9.19 %
9.56 %
4.84 %
0 %
Annual Percentage Rate of Costs
9.50 %
10.00 %
5.00 %
0 %

More info
More info
More info
Select
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is January 20, 2027. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is March 20, 2028. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.
The example is calculated assuming that the drawdown will take place on March 1, 2026, the first payment will be made on April 20, 2026, and the due date for the last payment is March 20, 2030. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.

Illustrative calculation according to the law for a revolving credit: Loan amount of CZK 30,000, annual interest rate of 26.28%, APRC 33.2%, total payment of CZK 34,740. Monthly installments in sequence: CZK 3,196, CZK 3,141, CZK 3,087, CZK 3,032, CZK 2,977, CZK 2,922, CZK 2,868, CZK 2,813, CZK 2,758, CZK 2,703, CZK 2,649, CZK 2,594. Installments and the total payment amount are mathematically rounded. The values provided assume the full loan amount is immediately drawn, non-cash, at the highest fee and interest rate, with the loan provided for one year and repaid in 12 equal monthly installments. The offer does not take into account further credit drawdowns or the use of additional services.

The example is calculated assuming that the drawdown will take place on May 1, 2024, the first payment will be made on June 20, 2024, and the due date for the last payment is April 20, 2025. In some cases, there may be minor differences in the amount of the last payment due to rounding of payments to whole CZK. The specific amount of the last payment will be shown in your monthly statement. The values apply only to the drawdown of the loan spread over the installment plan and do not take into account any other possible transactions and fees paid in the standard way in accordance with the terms of your loan agreement.

The offer is valid subject to the conditions of Home Credit a.s., and it does not create an entitlement to the provision of an installment program or loan. Each loan application is individually assessed and may differ from the presented information.

The offer is valid subject to the terms and conditions of Home Credit a.s. and does not create a right to the provision of an installment plan or loan. We assess each loan application individually and it may differ from the one presented.

The non-bank credit provider is Home Credit a.s., Nové sady 996/25, Staré Brno, 602 00 Brno, Czech Republic. Alza.cz a.s., Jankovcova 1522/53, Prague 7 – Holešovice, acts as a tied agent and represents the credit provider based on a cooperation agreement. Neither the provider nor the seller provides the consumer with "advice" in accordance with the rules set out in Act No. 257/2016 Coll., on Consumer Credit. This advertisement does not create a legal entitlement to the provision of credit.

LEI identifier registration: 315700MJRNJSVB95U852

More information about Home Credit can be found here: www.homecredit.cz

TIP: You can insure your installment purchase and the entire revolving credit. You will pay 8.9% of the minimum monthly installment of the credit for insurance, which will protect you, for example, in case of incapacity for work, loss of income, or hospitalisation.

FAQ

What are the financial limits for purchasing goods on installments?
The minimum loan amount is CZK 3,000 for online purchases and CZK 2,000 for in-store purchases.
Am I guaranteed to get the loan?
Home Credit approaches loan provision responsibly and grants it only after a proper assessment of meeting all necessary conditions by each applicant.
Who can apply for a loan?
Any individual over 18 years old with a stable source of income.
Do I need proof of income?
Yes, Home Credit may require you to provide proof of your income as part of the verification process.
Is it possible to cancel the loan agreement for installment purchases?
Yes, within 14 days from the date of concluding the loan agreement, and if you return the borrowed money within 30 days from the agreement date, Home Credit will not charge you any interest.
When will I get my goods?
We will ship or hand over the goods to you at the branch store once the loan is approved and Home Credit has received all the necessary documents from you.
Can I repay the loan early?
Yes. For early repayment of the loan or making extraordinary installment payments, please contact Home Credit's customer hotline at 542 100 100, where they will tell you the exact amount to be paid and any other necessary information.
I am a foreigner living in the Czech Republic. Can I purchase goods on installments from you?
Yes, installments from the Home Credit provider are available for citizens from EFTA countries and United Kingdom, whom have permanent residency in CZ. For SK citizens sojourn is required. For more information you can call Home Credits customer support on 542 100 100.
Can I buy goods on installment for a company or on a business ID?
Consumer credit is available only for individuals (natural persons), so it's not possible to make purchases for a company or on a business ID.
Do I need an ID?
Yes, you will need an ID for Home Credit, among other things, due to legal obligations. You'll also need to show your ID when picking up goods from us.
Is the amount I see in my estimated limit final?
No, this is just an estimate. You will only find out the actual amount once you have completed the scoring process in HomeCredit app.
What should I do if I wish to withdraw my consent to the sharing of my data for the purpose of estimating the amount of credit offered?
If you would like to withdraw your consent to share your data for the purpose of viewing Home Credit's hire purchase estimate, email [email protected] or call our customer service line.
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